What an SR-22 covers will depend on the state where you live. At a minimum, an SR-22 covers liability in a car accident, including property damage and bodily injury, up to the minimum amount required in your state. Some states also require Personal Injury Protection (PIP) or uninsured motorist insurance, so an SR-22 would cover those types of insurance as well.
Does an SR-22 Cover My Car?
SR-22 covers your own vehicle as well as other vehicles involved in a crash. However, keep in mind that, depending on your state’s minimum insurance requirements and the amount of damage caused by the accident, the SR-22 may not fully cover all the damages you cause in an accident.
You should also know that your SR-22 insurance does not cover you when you drive other vehicles. While you can purchase non-owner SR-22 auto insurance to drive someone else’s car, it does not provide any coverage if you get into an accident. Non-owner SR-22 auto insurance can also help you get insurance without owning a vehicle.
What Does an SR-22 Look Like?
An SR-22 is a form that serves as proof of insurance. It features the following:
- Personal information
- Type of filing
- Insurance company information
The SR-22 includes your name, address, date of birth, driver’s license number, policy number, and effective date. It also includes the name of the insurance company and its address and other information.
Now that you know what SR-22 insurance covers, you have a better idea of how it works and what it covers if you get into an accident.